Retirement Rules

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Retirement Rules

  1. 1. YOU WOULDN’TBUY A CAR WITHOUTA TEST DRIVE.SO WHY PLANYOUR RETIREMENTTHAT WAY?
  2. 2. The average person buys a dozen cars in their lifetime. And no decision is ever madewithout a proper test drive. But unlike cars, you only get one retirement, one chanceto choose an income plan that you will drive the rest of your life.With a decision that important, it seems almost unthinkable not to get behind thewheel and personally test the feel and fit of particular plans. And yet almost no oneever does. Many people jump into the first retirement vehicle they see and simplyhope it’s the right one.To help people make smarter choices that work for the long haul, we have developedthe Janney Retirement Test Drive. It’s a unique opportunity to see how your retirementincome holds up in adverse or unexpected conditions—in the safety of a simulation.So take a test drive and get a real sense of what works for you today and down theroad. But before you do, take a look at Janney’s Rules of the Road—a short set offundamental tips to set you on the right course for your retirement. We know you’llenjoy the ride.
  3. 3. 1 Get in the Driver’s Seat Make a commitment to control your retirement journey. Get comfortable with the idea that you’re retiring, mentally and financially, and then set the wheels in motion. Map out what and where you want your retirement to be. Set realistic goals and share them with your family or loved ones—and then share them with a professional who can help you put a plan in place to achieve them. You’re the one in the driver’s seat, but it doesn’t hurt to have a little navigational support along the way.
  4. 4. 2 Check Your Mirrors One of the best predictors of where you’re going is where you’ve been. Take a hard look in the mirror. Be honest about how you’ve managed money in the past and what changes you may have to make to put yourself in the best position for the future. Don’t forget to check for blind spots. It’s important to identify and plan for those unexpected financial roadblocks that may slow you down—from health care costs to family issues. After all, retirement may be much closer than it appears.
  5. 5. 3 Don’t Forget the Spare Tire Retirements aren’t always smooth sailing. There are bound to be bumps in the road, and you don’t want to be left stranded without a spare. Check your savings and know you have a comfortable reserve to get you through what’s around the bend. Sometimes in retirement, it’s not only about how much you have, but how much you can access when you need it most. So be prepared, and always check your spare.
  6. 6. 4 Look in the Glove Compartment Make sure all your most important documents are safe and in order— from wills, to insurance cards, to financial account data and more. It’s imperative to keep vital information organized and accessible for you and for loved ones in the event that something happens to you. It’s hard enough to find your car registration when you need it, so why take chances with the documents that matter most?
  7. 7. 5 Consider Maintenance Plans and Service Schedules Just like your favorite car, your retirement requires a little bit of maintenance to keep it running like a dream. Commit to a regular service schedule where you can consult with a professional as your life and economic driving conditions change. It’s important to discuss whether or not your retirement needs a little tune-up or rebalancing as you get further down the road. A little maintenance can go a long way toward ensuring a smooth and enjoyable ride.
  8. 8. 6 Enjoy the Ride Retirement can be one of the most exciting times of your life—if you plan for it properly. But that shouldn’t be an issue for you. If you follow the rules of the road, you can coast into retirement knowing that you’ve mapped out your future and set a course for success. Now all that’s left to do is put it in drive and enjoy the ride!
  9. 9. GET ON THE ROAD
  10. 10. …TAKE A TEST DRIVE TODAYJanney’s Retirement Test Drive is a straightforward evaluation of your retirementincome picture in a quick, easy and informative process. But it’s more than just acalculator; it’s a road map of practical options tailored to your goals and guided byan expert Janney Financial Advisor at every turn.The entire retirement test drive can be completed in one or two in-person meetingsor telephone calls. You receive actual portfolio recommendations and real answersto critical retirement questions, including: • What sources of income will I rely upon in retirement? • Will my income and assets last for my lifetime? • What expenses can I expect? • What is a sustainable spending level?It’s your retirement. It’s your life. Don’t leave it to chance. Get informed, and get inthe driver’s seat. Contact a Janney Financial Advisor and take your test drive today.
  11. 11. JANNEY MONTGOMERY SCOTT LLCwww.janney.comThe Highest Standard of Successin Financial Relationships© 2013 Janney Montgomery Scott LLCMember: NYSE, FINRA, SIPC1212439

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